******************************* CALIFORNIA *******************************
(Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $750K.
See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
3.500
2.750
3.250
2.625
2.750
3.125
>$417K
3.700
3.000
3.500
3.000
3.125
3.500
Jumbo
4.000
3.500
4.000
------
3.000
3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
3.625
2.875
3.500
2.875
3.000
3.375
>$417K
4.125
3.625
4.000
------
3.125
3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
3.490
2.625
3.250
2.500
2.625
2.875
APR
3.536
2.717
3.239
2.621
2.655
2.906
>$417K
3.625
2.875
3.375
2.875
3.000
3.250
APR
3.638
2.917
3.428
2.921
3.027
3.295
Jumbo
3.875
3.250
3.875
------
2.875
3.125
APR
3.896
3.320
3.930
------
2.907
3.135
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
3.750
3.125
3.625
3.000
3.000
3.250
APR
3.792
3.182
3.665
3.109
3.036
3.306
******************************** TEXAS ********************************
(Based on Conforming Loan $200K, Jumbo Loan $500K.
See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
3.625
2.875
3.500
2.875
3.125
3.375
>$417K
4.500
4.000
4.500
------
3.375
3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
3.750
3.125
3.625
3.000
3.625
3.625
>$417K
4.375
3.875
4.500
------
3.375
3.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
3.375
2.625
3.250
2.500
2.625
2.875
APR
3.425
2.677
3.281
2.582
2.640
2.900
>$417K
3.875
3.250
4.000
------
3.000
3.000
APR
3.865
3.268
4.025
------
3.000
3.009
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
3.750
3.000
3.625
3.000
3.000
3.375
APR
3.760
3.089
3.628
3.051
3.046
3.412
******************************** FLORIDA ********************************
(Based on Conforming Loan $300K, High-Balance Loan $500K for FL Keywest Area only.
See other assumptions at the bottom of the post)
PRIMARY RESIDENCE - REGULAR REFINANCE:
3.109
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
3.750
3.000
3.625
2.875
3.625
3.625
>$417K
4.250
------
------
------
3.625
3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
3.750
3.125
3.625
3.125
3.875
3.875
>$417K
4.875
------
3.625
4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
3.490
2.625
3.250
2.500
3.625
2.875
APR
3.538
2.693
3.279
2.575
2.625
2.902
>$417K
3.875
3.250
4.000
------
3.000
3.000
APR
3.863
3.265
4.026
------
2.998
3.014
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
3.750
3.125
3.625
3.000
3.000
3.375
APR
3.768
3.157
3.652
3.073
3.046
3.412
Please note that the rates are subject to mid-day changes. This is especially true when stock and bond markets move radically during the day.
Rates above are based on the following assumptions:
1. Loan Amount: See detailed loan amounts under the State name above;
2. Loan-To-Value (LTV):
-
-
-
-
-
-
3. Primary Residence (except specified);
4. Single Family Residence;
5. Credit score>=760;
6. With Impound/Escrow Account;
7. 30-day lock;
8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based)
9. Rates are subject to change without notice. Credit qualification is required
For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.
For scenarios outside the above assumptions, please contact local loan officers for case inquiry.
注：以上凡是没有表明利率的loan program，意味着该program做不了no point的贷款，需要收point才能做。
